商业银行不良资产证 券化的问题与对策研究--毕业论文.docVIP

毕业论文 题 目 学 院 专 业 班 级 学 生 学 号 指导教师 摘 要 我国商业银行的不良资产数额比较大，这不仅为引发金融危机埋下了隐患，而且严重阻碍了我国银行业的发展和整个国民经济的运行。自1999年四大资产管理公司的成立，我国对银行不良资产的处置取得了一定的成就，但是不良资产的压力仍然较大，采用新的方法处置不良资产问题日益受到关注。资产证券化是近三十年来国际金融市场中重要的创新业务，并被应用于不良资产的处置上，我国自2003年开始尝试采用证券化的方式来解决国内银行业不良资产问题，并取得了一定的成绩。本文首先阐述了银行不良资产的界定、商业银行不良资产证券化的含义及其意义，在研究我国商业银行不良资产证券化的现状的基础上，结合我国银行不良资产证券化的案例，分析当前我国推进实施商业银行不良资产证券化面临的问题，并且针对提出的问题提出相应的解决对策。 关键词：商业银行；不良资产；资产证券化 ABSTRACT The proportion and the number of non-performing assets in commercial banks in our country is high. The problem of non-performing assets of commercial banks not only has been the great hidden for financial crisis, but also the obstructs for the development of the banking and operation of national economy. We have obtained some achievement through great efforts since the establishment of four assets management companies, but the pressure is still great. The problem of using new method to handle non-performing assets becomes the focus gradually. Asset securitization is an important innovation in financial sector in recent 30 years,and it has been applied in disposal of non-performing assets. Our country has began to try handling non-performing assets by assets securitization and has made great progress since 2003. This paper starts with the definition of the non-performing assets of commercial banks, the definition and the significance of non-performing assets securitization. Through the analysis of the situation of the non-performing assets securitization of commercial banks in china, find the problem of developing non-performing assets securitization of commercial banks. At last discuss and put forward the corresponding meansures to solve the problems. Key words: Commercial bank; Non-performing asset; Asset securitization 目 录 摘要.......................................................................................................................I ABSTRACT.